A payment gateway is a service that processes online payments for merchants. It securely transmits transaction data between the customer, the merchant, and the payment processor.

Aurionpro Payments is a secure and efficient payment solution that serves as both a Payment Aggregator (PA) and a Payment Gateway (PG). It enables businesses to seamlessly accept online payments across multiple platforms and methods.

A Payment Aggregator (PA) is a service that manages payment processing for merchants, including handling funds and settlements directly. PAs enable merchants to accept multiple payment methods without needing individual bank accounts. They also provide additional solutions, such as transaction management and refunds. In India, PAs must operate under RBI guidelines to ensure the security and regulation of payment handling.

Payment Gateway (PG): A technology that securely transmits payment data between customers, merchants, and banks for online transactions. It ensures data encryption, fraud prevention, and smooth fund transfers, acting as a bridge for processing payments.

Payment Aggregator (PA): A third-party service that simplifies payment acceptance for merchants by consolidating multiple payment methods into one system. It manages funds using its Merchant Identification Number (MID), handles settlements, and often provides additional services like refunds and transaction management.

Aurionpro Payments offers benefits like enhanced security, easy integration, a wide range of supported payment methods, and competitive pricing.

Consider factors like fees, supported payment methods, integration ease, security features, customer support, and additional features that align with your business needs.

Absolutely. Aurionpro Payments is designed to be scalable and affordable, making it an ideal solution for SMEs looking to enhance their online payment capabilities.

Consider the following factors:

• Security features: Ensure PCI DSS compliance and fraud prevention tools.
• Supported payment methods: Check if it accepts credit/debit cards, digital wallets, etc.
• Integration ease: How smoothly it integrates with your website or e-commerce platform.
• Fees and pricing: Look for transparent and competitive fees.
• Customer support: Availability of responsive support for troubleshooting issues.
• Omnichannel payment integration: Allowing seamless transactions across multiple channels (web, mobile, in-store).

Yes, there are prerequisites to get started with Aurionpro Payments. These typically include:

• Business Registration: A legally registered business with valid documents (e.g., GST registration, PAN card, company incorporation certificate).
• Bank Account: A business bank account in the business’s name for settlements.
• KYC Documents: Submit identity proof, address proof, and bank account details.
• Technical Integration: Integrate Aurionpro Payments APIs or SDKs into your website or app, with technical support available.
• Compliance: Adhere to Aurionpro Payments’ policies and avoid prohibited activities.
• Platform Compatibility: Ensure your system supports Aurionpro Payments’ integration requirements.

Setting up Aurionpro Payments for your business is simple. We offer both manual and online onboarding for our merchants. Follow these easy steps:

• Sign up on Aurionpro Payments
• Set up your account by sharing basic business details
• Complete KYC verification and activate your Aurionpro Payments account
• Finally integrate the Aurionpro Payments’ gateway on your website/app. Visit our developer guide to know more https://app.archbee.com/public/PREVIEW-Z2F5F6sbUW6_ePpZ-LaB8/PREVIEW-IHhHDN7-Y25cAUY5G-Ldw.

Aurionpro Payments securely processes payment details, encrypting data to ensure safety. As the payment processor, it approves transactions and transfers funds directly to the merchant’s account.

Account setup is typically completed within a few days, depending on the provider and the complexity of your business.

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Yes, Aurionpro Payments supports businesses without websites or apps. You can still process payments through social media, invoices, or other offline methods using our solutions.

You’ll need to provide documents such as a valid business registration certificate, PAN card, bank account details, and GSTIN (if applicable). The required documents may vary based on your business type and entity. For detailed information on the documents required, please refer to the Onboarding Document.

Note: Documents must be in PDF, JPG, or PNG format, with a maximum size of 4 MB.

Yes, your website should comply with our standards. This includes having a terms and conditions page, a privacy policy, refund guidelines, and clear contact information for your business.

After signing up, complete your profile by submitting all necessary documents. Once verified, you can integrate Aurionpro Payments into your platform using our APIs or start creating payment links

Test UAT is available indefinitely for development and testing purposes. However, to process real transactions, you must switch to live mode.

GSTIN is mandatory only for businesses registered under GST. For individual freelancers or small businesses not covered under GST regulations, it is not a requirement.

Settlement delays may occur due to pending document verification, compliance reviews, or irregularities in your transactions. Contact Aurionpro Payments’ support team for assistance in resolving the issue.

Aurionpro Payments provides comprehensive features, including online payment gateways, recurring billing, multi-currency support, fraud prevention tools, instant payouts, and API integrations to streamline your payment processes.

If a merchant’s business category is on the restricted list, the onboarding process should be halted, and the merchant should not be onboarded.

To set up an account, the AuroCheck Portal is used for merchant onboarding. Merchants need to contact the support team to initiate the process. The operational team will then generate a Case ID/Lead in Aurocheck before proceeding. Once this is done, the merchant must complete the registration form with their business details and submit the necessary documents for verification.

The required documents for opening a payment gateway account depend on the entity type and business use case. Here are the key documents needed:

1. Business Registration & Legal Documents:
   • For Companies: Certificate of Incorporation, Memorandum & Articles of Association (MOA/AOA), Board Resolution, and List of Members.
   • For Partnerships: Partnership Deed and Business Registration Certificate.
   • For Sole Proprietors: Business Registration Certificate.
   • Ultimate Beneficial Ownership (UBO) Details (if applicable).
2. Identity & Address Proof (For Business Owners/Directors):
   • Passport / National ID / Driver’s License / Aadhaar Card.
   • Utility Bill or Bank Statement (as address proof).
3. Business-Specific Documents:
   • Business License or Permit.
   • Utility Bill or Lease Agreement for business address proof.
   • Business Bank Account Details (Account Number, IFSC/SWIFT Code).
   • Canceled Cheque or Bank Statement showing account ownership.
   • Tax Identification Number (TIN) / VAT / GST Certificate.
4. Website Compliance Documents:
   • To ensure regulatory compliance, your website must include:
   • Terms & Conditions
   • Privacy Policy
   • Refund & Cancellation Policy
   • Contact Information
   • About Us Page
5. Financial & Processing History (If Required):
   • Audited Financial Statements (for large businesses).
   • Recent Bank Statements (Last 3–6 months).
   • Payment Processing History (if switching from another payment provider).
6. Additional Documents:
   • Depending on your business model and industry, additional documentation may be required.
   • For a seamless onboarding experience, ensure all documents are accurate and up to date. If you need further guidance, please contact our support team support@auropay.net.

Account verification requires submitting documents such as business registration, proof of identity, and bank details. Upon verification, you’ll receive a confirmation email with your login ID and temporary password, which you can change after logging in. The case with operation.

Yes, Aurionpro Payments provides pre-defined roles and access levels based on the user’s role. Users cannot customize these roles, ensuring proper access control and security for your account.

To close your account, contact the Aurionpro Payments support team support@auropay.net. Ensure all transactions are settled and any outstanding issues are resolved before initiating the closure process.

Inform the Aurionpro Payments support team of any significant changes to your business. Updated documentation may be required to reflect the new details.

If you suspect a security breach, immediately contact the Aurionpro Payments support team at support@auropay.net. They will guide you in securing your account and investigating the issue.

A chargeback occurs when a cardholder disputes a payment, usually due to fraud, not receiving goods or services, or an incorrect charge.

Here’s how it works:

• Contact your bank’s customer care and provide details of the disputed transaction.
• The bank notifies the merchant about the dispute.
• The merchant can either accept the chargeback or challenge it by submitting evidence.
• The bank reviews the evidence and decides whether to uphold or reverse the chargeback.
• If the bank rules in your favor, you receive the chargeback. However, if the merchant wins, you will need to pay the bill by the due date.

Yes, Aurionpro Payments supports chargebacks and provides tools to manage them efficiently. Our team assists merchants in reviewing disputes, submitting evidence, and seamlessly resolving chargebacks.

Yes, you can make partial refunds using the Aurionpro Payments Portal. Under the Accept Payment section, choose the Refund option, enter the refund amount, provide the required details, and click the Refund button.

The duration of the refund process can vary depending on the card network and the complexity of the dispute.

Refunds are processed within 5-7 business days. If delayed, contact the merchant or Aurionpro Payments support.

Refunds require the original transaction details, including the order value and customer information.

No, there are no fees associated with processing refunds through Aurionpro Payments.

Aurionpro Payments offers a streamlined process for handling refunds and chargebacks. Merchants can initiate refunds through the portal or via the API, supporting both full and partial refunds. Customers will receive the funds back in their accounts.

Yes, we provide technical support to assist with any integration-related issues. Our support is available Monday to Friday, from 9 AM to 5 PM.

Aurionpro Payments provides customer support via email at support@auropay.net and by phone at +91 22 4040 8080.. Merchants can also raise concerns directly through the dashboard.

The response times may vary depending on the nature of the inquiry and the volume of support requests.

Yes, Aurionpro Payments provides technical support for integration issues and troubleshooting.

Aurionpro Payments provides online documentation, FAQs, and a knowledge base to help users find answers to common questions.

Customers and merchants can escalate issues by submitting a ticket through their Aurionpro Payments Portal. Click on “Register a Concern” on the dashboard and provide all relevant details for prompt resolution.

To integrate Aurionpro Payments, refer to our API documentation for API integration, or contact support support@auropay.net for personalized assistance.

Yes, testing is possible through the UAT environment for websites, while an SDK is provided for mobile applications.

You can obtain the API keys from Aurionpro Payments portal under the Integration section after logging in to your Aurionpro Payments account.

Aurionpro Payments provides a UAT environment to test your payment integration without processing real transactions. Access test keys and simulate various payment scenarios to ensure seamless functionality.

Login URL –
UAT – https://merchant.uat.auropay.net/#/login
Prod – https://merchant.auropay.net/#/login

API URL –
UAT – https://api.uat.auropay.net/api
Prod – https://secure-api.auropay.net/api

Ensure the parameters are correctly formatted and their values are valid. Refer to the API documentation for accuracy. If issues persist, contact Aurionpro Payments support for assistance.

Aurionpro Payments provides developer-friendly APIs, SDK, and plugins that are straightforward to implement. Technical support is also available to assist during setup.

While technical knowledge is helpful, Aurionpro Payments often offers integration assistance or partners with third-party developers to streamline the process.

The integration typically involves signing up, obtaining API keys, implementing the API code, testing the integration in a staging environment, and then moving the integration to production for live transactions.

Yes, Aurionpro Payments is compatible with most major e-commerce platforms.

KYC means Know Your Customer. It is a process where banks and financial companies verify the identity of a business before allowing access to their services. As a regulated entity under RBI, specifically as a Payment Aggregator (PA), this process is mandatory to prevent fraud, ensure secure transactions, and comply with legal and regulatory requirements.

Sources: Master Circular – ‘Know Your Customer’ (KYC) Guidelines

KYC plays a vital role in merchant onboarding. It helps conduct background checks to verify the nature, purpose, and authenticity of a prospective client’s business.

Assessing the risk associated with a business.

Complying with regulatory requirements.

Protecting against financial crimes.

AuroCheck streamlines the KYC process with its integrated Arya.ai-powered AI technology. Within our onboarding application, this AI performs document verification, identity checks, and fraud detection, quickly validates data and flags any inconsistencies. This automated approach enhances efficiency, accuracy, and security while eliminating the need for manual verification.

Merchant onboarding is the process of setting up a business to securely accept and manage customer payments. It includes verifying the business’s identity, assessing risk, and integrating it with a payment gateway.

Yes, it is mandatory for your business to be registered to avail our payment platform.

The precheck process involves verifying the merchant’s authenticity, ensuring their business is not on the restricted list, and confirming they have all valid KYC documents and registration proofs. A website check is also required to ensure all necessary policies are uploaded and there are no unauthorized redirects.

Merchants cannot be onboarded if appropriate CDD measures cannot be applied due to non-cooperation or unreliable documents. The operations team must ensure proper identification and verification of the merchant’s identity.

Yes, but there must be proper documentation specifying the circumstances under which a customer can act on behalf of another entity or person. All necessary authorizations and proofs should be obtained. The following documents are typically required:

• Identity Proof of the Representative: This includes government-issued identification documents like a passport, Aadhaar card, or voter ID.
• Authorization Letter: A letter authorizing the representative to act on behalf of the entity, signed by an authorized person within the entity (e.g., company director or partner).
• Business Registration Documents: Depending on the entity, this may include the Certificate of Incorporation (for companies), Partnership Deed (for partnerships), or Business Registration Certificate (for sole proprietorships).
• Proof of Address: Utility bill, bank statement, or lease agreement showing the business address.
• Tax Information: Tax Identification Number (TIN) or GST registration details of the business.
• Ultimate Beneficial Owner (UBO): Details of the ultimate beneficial owners (if applicable).

On Behalf of Onboarding refers to the process where an individual or entity completes the onboarding formalities for another party with proper authorization and as per RBI guidelines, this is typically applicable in cases where a representative is onboarding a business, an individual, or an entity on their behalf, such as a legal representative, company employee, or authorized person.

Documents are verified using our internal Arya.ai-powered AI technology, which performs comprehensive checks, including validation and fraud detection, by cross-referencing submitted documents with government databases to ensure compliance and security.

Orders are processed by the merchant. You will receive email notifications from the merchant for both successful and failed transactions, along with updates from your card issuer for successful payments. For updates, contact the merchant. If you do not receive a response, email us at support@auropay.net.

Yes, you can create a payment request link via the Aurionpro Payments portal and send it to your customers via email or SMS, without needing website integration.

Yes, the Aurionpro Payments portal allows you to create a payment link with an expiry time, ensuring payment is completed within a specific time.

Yes, the same payment link can be used for multiple transactions, depending on the merchant’s configuration.

Yes, Aurionpro Payments allows you to accept payments in various international currencies.

Aurionpro Payments functions as both a Payment Aggregator (PA) and a Payment Gateway (PG). As a Payment Gateway, Aurionpro Payments facilitates online transactions, enabling merchants to accept credit cards, debit cards, and other electronic payments securely. As a Payment Aggregator, it simplifies the payment processing by consolidating multiple payment methods, making it easier for merchants to manage transactions.

A Payment Gateway (PG) is a service that enables businesses to process online payments. It securely transfers customers’ payment information between the merchant’s website and the bank, allowing merchants to accept credit cards, debit cards, and other electronic payments.

Merchant Onboarding

• Documentation: Aurionpro Payments collects and verifies necessary documents from merchants, such as business registration, bank details, and identity proofs.
• Integration: Aurionpro Payments provides merchants with integration kits (SDKs or APIs) to integrate their websites or apps with the Aurionpro Payments platform.
• Compliance: Aurionpro Payments ensures that merchants comply with regulatory requirements, such as KYC (Know Your Customer) and AML (Anti-Money Laundering).

Yes, Aurionpro Payments allows customization of the payment interface to align with your branding, ensuring a seamless user experience.

Yes, Aurionpro Payments allows you to add custom fields to invoices, enabling you to include specific details such as shipping information or product descriptions.

Consider the following factors:

• Security features: Ensure PCI DSS compliance and fraud prevention tools.
• Supported payment methods: Check if it accepts credit/debit cards, digital wallets, etc.
• Integration ease: How smoothly it integrates with your website or e-commerce platform.
• Fees and pricing: Look for transparent and competitive fees.
• Customer support: Availability of responsive support for troubleshooting issues.

Some of the latest trends include:

• Mobile payment support: Growing focus on mobile-friendly payment methods.
• Biometric authentication: Use of fingerprint and facial recognition for secure transactions.
• Cryptocurrency acceptance: Some gateways are starting to accept digital currencies like Bitcoin.
• AI-based fraud detection: Leveraging artificial intelligence for more efficient fraud prevention.
• Omnichannel payment integration: Allowing seamless transactions across multiple channels (web, mobile, in-store).

Unfortunately, we cannot offer this feature at present, however it will be available in the future. For now, Aurionpro Payments exclusively provides payment plan splitting.

Aurionpro Payments offers detailed reporting and analytics tools to help merchants track transactions, identify trends, and optimize business operations.

Yes, Aurionpro Payments adheres to industry standards & regulations including PCI DSS compliance to ensure data security and compliance.

Yes, Aurionpro Payments provides customization options for the payment page, allowing it to align with your branding.

Yes, Aurionpro Payments supports mobile payments, enabling customers to complete transactions via smartphones or tablets.

Yes, you can switch to another payment gateway. However, there may be transition costs and technical challenges involved.

Yes, Aurionpro Payments supports international payment acceptance. With the Multi-Currency Capability (MCC) feature, you can receive payments in currencies other than INR. However, all settlements will be processed in INR. The configuration can be customized based on your specific requirements.

Charges for international transactions are based on the terms of the agreement.

Aurionpro Payments supports a variety of payment methods, including credit and debit cards, e-wallets, bank transfers, and UPI.

We support the following currencies: USD (US Dollar), HKD (Hong Kong Dollar), IDR (Indonesian Rupiah), and SGD (Singapore Dollar).

Aurionpro Payments follows a T+1 settlement cycle, processing all our MIDs, with funds settled to merchants on the next business day.

Yes, you can track the status of settlements in real time through Aurionpro Payments. In the Accept Payments section, click on the More Details option for the transaction. From there, you can view the timeline and status of the settlements.

The pending status is usually due to network issues or delays in user actions, such as entering OTP or net banking password etc. Please refresh your account or contact support support@auropay.net.

If you notice discrepancies, review the transaction details and contact our support team at support@auropay.net for clarification and resolution.

Yes, you can add custom fields to your invoices to include specific information relevant to your business, such as shipping details or product descriptions.

A payment form is an online form embedded on a website or shared via a link that allows customers to enter their payment details to complete a transaction securely.

To create a payment form in Aurionpro Payments, generate a payment link. Once generated, the link will direct customers to the payment form where they can complete the transaction.

Yes, payment forms are designed with security features such as SSL encryption and compliance with PCI-DSS standards to protect sensitive customer information.

Yes, Aurionpro Payments allows you to customize fields, enabling merchants to gather the necessary information for each transaction.

A payment link is a URL that directs customers to a secure payment gateway, allowing them to complete transactions without using a traditional checkout page.

Merchants can create payment links through their Aurionpro Payments dashboard by entering the payment amount and details, then sharing the link with customers via email, SMS, or social media.

Yes, reputable payment gateways encrypt payment links are encrypted and ensure compliance with security standards to protect customer data.

The Payment Plan feature in Aurionpro Payments allows customers to pay for products or services in convenient installments over time. It provides flexibility by breaking down the total payment into scheduled installments according to the selected plan.

Aurionpro Payments supports the following payment frequencies: Daily, Weekly, Bi-weekly, Monthly, Quarterly, Annually.

Yes, you can edit or deactivate an existing payment plan.

You can track transactions using the following options:

All: View all transactions under the plan.

By Volume: Monitor transaction amounts.

Overdue: View and track past-due payments.

Recent Activity: Track the latest transactions.

You can track overdue payments using the “Overdue” filter in the transaction tracking section. Follow-up actions can be taken based on customer communication.

Aurionpro Payments offers a transparent pricing model with competitive rates, including per-transaction fees and subscription plans. Specific pricing depends on your business type and volume. Contact sales for a customized quote.

No, Aurionpro Payments maintains a transparent pricing policy. Your agreement outlines all applicable fees, including transaction, refund, and chargeback fees.

Yes, Aurionpro Payments provides discounted transaction fees for businesses with high transaction volumes. Contact sales to discuss volume-based pricing.

Yes, Aurionpro Payments provides detailed billing invoices for all transactions and services. You can access and download them from your merchant portal’s “Invoices” section.

Aurionpro Payments offers competitive and transparent pricing. For detailed information on transaction fees and other charges, please refer to our pricing page or contact our sales team.

Aurionpro Payments’ fees depend on the transaction type, payment method, and merchant agreement. Typically, this is a one-time setup fee and possibly a percentage of the transaction amount.

Under the “Accept Payment” option Merchants can track payment history by Recent, Volume, Failed, and Disputed transactions. Filter by payment methods and download reports. The portal dashboard offers real-time transaction insights, including the Total Transaction Amount per Month for revenue monitoring and the Total Number of Transactions for performance analysis.

Funds from transactions are usually deposited into the merchant’s account within T+1 business day.

If a transaction is declined, the merchant can view the reason for failure in the transaction history. The merchant can advise the customer to retry with a different payment method or contact their bank for resolution.

Yes, you can initiate both partial and full refunds through the Aurionpro Payments dashboard or API.

A convenience fee is an additional charge applied by merchants for specific transaction types. Aurionpro Payments allows merchants to configure and apply convenience fees, which must be disclosed to customers before completing the transaction.

Yes, Aurionpro Payments includes several fraud preventions features such as blocking specific IP addresses, countries, or BIN numbers, as well as monitoring suspicious transaction patterns.

There is no specific limit on the transaction volume with Aurionpro Payments. The gateway supports both small and large transactions, depending on your merchant account and agreement.

Yes, you can access detailed transaction reports and analytics through various widgets on your dashboard. The Amount Details Widget and Business Performance Overview Widget provide real-time insights into revenue, transaction volume, and payment methods. The Invoice and Payment Widgets help track invoicing status, including outstanding and overdue payments. The Customer and Product Analysis Widget offers insights into customer behavior and sales trends, while the Request Pay Payments Made Widget helps monitor collections and financial trends. These tools enable you to effectively manage your business’s financial performance.

To raise a dispute, contact your bank and provide the relevant transaction details, including the transaction ID, date, and a brief description of the issue. Additionally, refer to our Grievance Redressal Policy for further guidance.

Merchants generate a unique QR code that contains the payment details. Customers scan the code with their smartphone, directing them to a secure payment page to complete the transaction.

Yes, QR code payments are secure. They use encryption and tokenization to protect transaction data, ensuring customer information remains confidential.

The benefits include faster transactions, minimal physical contact, compatibility with multiple devices, and enhanced customer convenience.

Yes, QR codes can facilitate payments in physical stores and online platforms, providing flexibility for different business models.

Aurionpro Payments supports dynamic QR codes.

No, there is no fee for generating QR codes with Aurionpro Payments.